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Risk Assessment and Detection of Fraudulent Claims in Insurance Systems with Machine Learning Approaches Sutardiman, Mario; Arditya, Dyah Ayu; Suroso, Jarot S
Sebatik Vol. 28 No. 2 (2024): December 2024
Publisher : STMIK Widya Cipta Dharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46984/sebatik.v28i2.2522

Abstract

Fraudulent insurance claims pose a significant challenge to the sustainability and efficiency of insurance systems, resulting in substantial financial losses and eroding trust between insurers and policyholders. The complexity and volume of modern data make traditional fraud detection methods, such as manual assessments, increasingly ineffective. This study investigates the application of machine learning approaches, including Random Forest and Artificial Neural Networks (ANN), to detect fraud in insurance claims. Using a structured methodology, models were trained on historical claim data and evaluated using metrics such as accuracy, F1-score, recall, and precision. The Random Forest algorithm achieved an accuracy of 94%, while the ANN demonstrated superior performance on controlled datasets. Feature importance analysis identified key predictors, including claim amount and submission frequency, offering actionable insights for fraud prevention strategies. The integration of machine learning into claims management systems provides a scalable, accurate, and cost-effective solution to combating fraud. Future research will focus on testing with larger datasets and exploring hybrid approaches to enhance robustness and adaptability.
The Effectiveness of Using Quizizz in Improving Learners' Motivation and Engagement in Learning Heriyanto, Heriyanto; Cahyadi, Achmad; Suroso, Jarot S
Sebatik Vol. 28 No. 2 (2024): December 2024
Publisher : STMIK Widya Cipta Dharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46984/sebatik.v28i2.2526

Abstract

This research aims to evaluate the effectiveness of using Quizizz in enhancing learners' motivation and engagement in the learning process. The study seeks to provide educators with insights into the benefits and positive impacts of incorporating gamification in teaching. The materials for this study include academic journal literature related to the use of Quizizz in education. Literature sources were obtained from academic databases such as Google Scholar and Mendeley. This research is limited to literature published within the last five years to ensure the relevance and currency of the findings. It focuses on studies discussing the use of Quizizz in educational contexts. Based on the analysis of several studies, it can be concluded that Quizizz effectively enhances students' motivation and engagement in learning.
Student Perceptions of ChatGPT Integration in the Digital Age Ruyat, Ruyat; Jatiwahyuni, Lucia; Suroso, Jarot S
Sebatik Vol. 28 No. 2 (2024): December 2024
Publisher : STMIK Widya Cipta Dharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46984/sebatik.v28i2.2533

Abstract

The digital era presents new opportunities in education, including the integration of artificial intelligence (AI) technologies like ChatGPT. This study explores students' perceptions of using ChatGPT in face-to-face learning through a literature review approach. The analysis draws on various reliable sources, including scientific journals, books, and relevant research reports. The findings suggest that ChatGPT is beneficial for helping students understand materials, complete tasks, and enhance their learning motivation. Additionally, it is considered user-friendly due to its simple interface and quick response times. However, several challenges were identified, including limited digital literacy, the risk of receiving inaccurate information, and the potential misuse of the tool as a shortcut, bypassing deeper engagement with learning materials. The study concludes that ChatGPT holds significant potential to support face-to-face learning, especially when used responsibly under teacher guidance. To maximize its effectiveness, efforts should focus on improving students' digital literacy, establishing clear usage policies, and providing structured guidance during the learning process.
Analisis Faktor-Fator yang Mempengaruhi Penggunaan Aplikasi Investasi Reksadana Online pada Generasi Millenial dan Generasi Z Andrea, Jasmine Aubrey; Suroso, Jarot S
ITEJ (Information Technology Engineering Journals) Vol 7 No 1 (2022): June
Publisher : Pusat Teknologi Informasi dan Pangkalan Data IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/itej.v7i1.99

Abstract

This study aims to analyze the driving factors that can influence individuals in using mutual funds Bibit application. The proposed model has factors from the The theory of technology adoption (TAM) is implemented in this study to analyze how technology adoption of online mutual fund investment with millennial as the main object of research. This research is a quantitative research with a survey method by distributing online questionnaires. Sampling using purposive sampling method. This study Used 5 internal variables and 3 external variables which are Perceived Security, Perceived Trust and User Interface After gathering 168 data respondents, it is found that there are several factors that have positive significance to Actual System Use to adopt online mutual fund application, namely Perceived Security, User Interface, Perceived Usefulness, Perceived Ease of use, Attitude Toward Use and Behavioral Intention to Use. Meanwhile, Perceived Trust have no significance to Actual System Usage of Bibit application. This finding will be useful for online mutual fund application developers to transform conventional mutual fund to online platforms format.
Information System Audit using COBIT 2019 on Multi Finance Company Warih, Handono; Adrian, Markus; Suroso, Jarot S
Poltanesa Vol 26 No 1 (2025): June 2025
Publisher : P3KM Politeknik Pertanian Negeri Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51967/tanesa.v26i1.3319

Abstract

This research paper explores the extension of COBIT 2019 into a decentralized governance framework, specifically tailored for multi-finance companies in the fintech industry. The fintech sector faces rapid technological advancements, dynamic regulatory environments, and scaling cybersecurity threats; hence, conventional governance models often do not have the flexibility and scalability to cope with these challenges effectively. It addresses these lapses by proposing a framework for governance incorporating the use of decentralized autonomous organizations, blockchain technology for transparency, and artificial intelligence for predictive risk management. The model shall be endowed with smart contracts that guarantee enforcement of compliance in an automated manner, blockchain maintenance of an unalterable audit trail, and the use of AI in finding and mitigating emerging risks in real time. These innovations are also in tune with critical COBOT 2019 domains such as MEA02 (Auditability), APO12 for Risk Management, and DSS05 for Security Services, giving them an all-encompassing and adaptive governance approach. The testing of the proposed model demonstrates significant improvement in operational resilience, regulatory compliance, and stakeholder confidence, especially within high stakes fintech environments. These findings show that incorporating emergent technologies into COBIT 2019 provides added value in governance practices and positions a scalable and future-oriented solution to help navigate the complexities of the fintech sector. This research has contributed to the development of IT governance by showing how a decentralized and technology-integrated framework can transform governance practices in ensuring agility and security within multi-finance operations.